Chamois cream and riding comfort

Many cyclists suffer from what is known as saddle sore, a chaffing of the skin against clothing fabric whilst riding.  This is commonly felt by new riders who are starting out and are not familiar with the seated position contact points.  It is also common in racing cyclists and long distance riders.
There are a few reasons why this may occur:

1.  The clothing that is being worn is too loose and is moving against the saddle and soft tissue of the groin during riding.2.  The riding position is constant for a long period of time without supported padding within clothing3.  The saddle or...